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Head's Up (Credit reports)
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<blockquote data-quote="donna723" data-source="post: 622398" data-attributes="member: 1883"><p>Funny you should mention this now because I just yesterday checked mine online and now I'm more confused than ever! I too have only one credit card and use it very sparingly. I only applied to one cc company and was issued the card. But on my report there are inquiries showing for several other cc companies also ... is that them doing that? It sure wasn't me. And is that counting against me? I've gotten offers from other credit card companies in the mail and just tear them up.</p><p></p><p>I got so frustrated trying to dispute an item on my report, I finally just gave up! And now, of course, since you just get one free one per year, I can't get back in to it! Back in 2001 I bought the only brand new car I have had since the sixties, financed through GMAC. I never missed a payment, never paid late. Years later, with only two more payments to make, about $500 total, a deer ran out in front of me and the car was totaled. My car insurance paid off the balance to GMAC and sent me the rest which I used to buy another car. Never heard another word from GMAC. This was several years ago. Now, checking my report, one of the credit bureaus is showing that I still owed GMAC over $2500 and that it was written off!! According to this, I just suddenly stopped making payments and still owed this big amount! If they really thought that, wouldn't they have contacted me, even tried to repossess the car? So I tried to dispute the charge - they give you one of those little squares to type in. It said my reply was too long, so I cut it down. Still too long so I cut it again. I got it down to one short sentence - still too long! I never did get it in and got so mad I was saying all the 4-letter words I knew! Moral of the story I guess is that you have to check it every year and stay on top of it.</p><p></p><p>One thing though ... I thought medical bills could ALWAYS be put on your credit report. We learned that the hard way a few years ago. My son had applied for a job with a retail store that checks the credit of job applicants because they will be handling large amounts of money. It showed at least a dozen small unpaid medical bills, looked like co-pays for doctors visits and hospital ER visits. NONE of these were his and all were from the small town where his scum svcking father had lived, some even had his fathers address on them! We finally figured out that his "father" had used his name and SSN and all those co-pays the insurance didn't pay (and that he had no intention of paying) went right on my sons credit report as bad debts! And yes, he was low down enough to do that, and no, we never did figure out a way to get them off of my sons report.</p></blockquote><p></p>
[QUOTE="donna723, post: 622398, member: 1883"] Funny you should mention this now because I just yesterday checked mine online and now I'm more confused than ever! I too have only one credit card and use it very sparingly. I only applied to one cc company and was issued the card. But on my report there are inquiries showing for several other cc companies also ... is that them doing that? It sure wasn't me. And is that counting against me? I've gotten offers from other credit card companies in the mail and just tear them up. I got so frustrated trying to dispute an item on my report, I finally just gave up! And now, of course, since you just get one free one per year, I can't get back in to it! Back in 2001 I bought the only brand new car I have had since the sixties, financed through GMAC. I never missed a payment, never paid late. Years later, with only two more payments to make, about $500 total, a deer ran out in front of me and the car was totaled. My car insurance paid off the balance to GMAC and sent me the rest which I used to buy another car. Never heard another word from GMAC. This was several years ago. Now, checking my report, one of the credit bureaus is showing that I still owed GMAC over $2500 and that it was written off!! According to this, I just suddenly stopped making payments and still owed this big amount! If they really thought that, wouldn't they have contacted me, even tried to repossess the car? So I tried to dispute the charge - they give you one of those little squares to type in. It said my reply was too long, so I cut it down. Still too long so I cut it again. I got it down to one short sentence - still too long! I never did get it in and got so mad I was saying all the 4-letter words I knew! Moral of the story I guess is that you have to check it every year and stay on top of it. One thing though ... I thought medical bills could ALWAYS be put on your credit report. We learned that the hard way a few years ago. My son had applied for a job with a retail store that checks the credit of job applicants because they will be handling large amounts of money. It showed at least a dozen small unpaid medical bills, looked like co-pays for doctors visits and hospital ER visits. NONE of these were his and all were from the small town where his scum svcking father had lived, some even had his fathers address on them! We finally figured out that his "father" had used his name and SSN and all those co-pays the insurance didn't pay (and that he had no intention of paying) went right on my sons credit report as bad debts! And yes, he was low down enough to do that, and no, we never did figure out a way to get them off of my sons report. [/QUOTE]
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